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All Journal Journal of Finance and Islamic Banking Wahana Islamika: Jurnal Studi Keislaman Ihtifaz: Journal of Islamic Economics, Finance, and Banking Journal of Islamic Monetary Economics and Finance ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Al-Kharaj: Journal of Islamic Economic and Business ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Khidmatan Etihad: Journal of Islamic Banking and Finance Journal of Islamic Philanthropy and Disaster JoEMS : Journal of Education and Management Studies Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Cakrawala: Jurnal Studi Islam Balanca : Jurnal Ekonomi dan Bisnis Islam Abdimas Indonesian Journal Journal of Islamic Economics Lariba DIKTUM: JURNAL SYARIAH DAN HUKUM Moneta: Jurnal Manajemen & Keuangan Syariah Al Rikaz : Jurnal Ekonomi Syariah Indonesia Journal Of Zakat and Waqf Wahana Islamika: Jurnal Studi Keislaman IEFBR: Islamic Economics, Finance, and Banking Review Journal of Finance and Islamic Banking Islamic Financial And Accounting Review Khidmatan
Multazam Mansyur Addury
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Efficiency in Islamic Rural Banks: What Factors Make Things Worse? Multazam Mansyur Addury; Amar Maruf; Yuniar Lestari
Journal of Finance and Islamic Banking Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i2.12568

Abstract

This study is designed to conduct an analysis of the efficiency of Islamic Rural Banks IBRs within the Indonesian context and to examine the significant variables that influence efficiency both in Java and outside of Java. This study uses Two-Stage (DEA) Data Envelopment Analysis technique on 83 IBRs in Indonesia with the period used is 2011 - 2023. The results showed that overall, the efficiency of IBRs in Indonesia is relatively low, where only a small portion is considered efficient. The majority of IBRs fall into the Decreasing Returns to Scale (DRS) category, where input expansion leads to a relatively smaller increase in output. The Covid-19 pandemic has also been shown to have a negative and significant effect on the efficiency of IBRs, especially outside Java, while the effect is not significant for IBRs in Java. Return On Assets (ROA) and total assets consistently having a positive impact in the Java region and Indonesia as a whole. This study makes an important contribution to understanding the operational efficiency of IBRs in Indonesia and provides policy recommendations that can strengthen the competitiveness of IBRs, particularly by optimizing asset management, improving operational resilience in areas outside Java, and leveraging regional economic growth.
Co-Authors A. Rio Makkulau Wahyu Abdul Halim Rofi'i Abdul Halim Rofi’i Adi, Sunu Prasetya Ahmad Muhibin Aldy Baharuddin Asia Amar Maruf Amira Husnul Khatimah Anton Priyo Nugroho Aprilia Kinasih Putri Ramadhani, Aprilia Kinasih Putri Ardi Hidayat Arwin Damirah Dian Resky Pangestu Emily Nur Saidy GH, Nur Hishaly Ghufran Januar Herawati, Hasmiah Izzaturrahman, Muh. Dzulfikar Jaswarni Khalid, Salehuddin M. NASRI HAMANG, M. NASRI M. Pudail M.M, Besse Faradiba Muh. Dzulfikar Izzaturrahman Muhammad Ridwan Muzdalifah Muhammadun, Muzdalifah Niila Luthfatul Fauziah Nugroho, Anton Priyo Nugroho, Muhammad Dandi Nur Hishaly GH Nur, Sri Wahyuni Padila, Nur Isma Pangestu, Dian Resky Ramadhan, Fitrah Anugrah RAMADHANI, AMALIYAH Reski Mahmud Salehuddin Khalid Sulkarnain Sunu Prasetya Adi Umaima Umaima Umaima Yeni Fitriyani Yuniar Lestari